Personal Investments • Seeking Advice: Simplifying Portfolio and Reducing Advisory Costs

Welcome to the forum.

Moving to a DIY 3-fund portfolio from an AUM arrangement is reasonable and will reduce your investment costs significantly. Consider remaining at Fidelity for simplicity as the majority of your portfolio is there. Personally I prefer Fidelity over Vanguard.

The three Fidelity funds you listed are good building blocks for a 3-fund portfolio. You also have the option of using the proprietary Fidelity zero-ER equity funds (FZROX, FZILX, etc.) in tax advantaged accounts.

The BH wiki pages “paying a tax cost to switch funds” and “tax efficient fund placement” may be helpful as/if you transition to a DIY portfolio:
https://www.bogleheads.org/wiki/Paying_ ... itch_funds
https://www.bogleheads.org/wiki/Tax-eff ... _placement

If you want help with your portfolio clean-up, post your portfolio using the template in “asking portfolio questions” linked, below. Include the unrealized gain/loss for each Taxable holding.
https://www.bogleheads.org/wiki/Asking_ ... _questions

Statistics: Posted by HomeStretch — Sun Dec 28, 2025 7:40 am — Replies 4 — Views 243

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